Philippine Commercial Banking System Highlights as of 1Q17. Based on: Published Consolidated Statements of Condition

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1 Philippine Commercial Banking System Highlights as of 1Q17 Based on: Published Consolidated Statements of Condition Legal Disclaimer This presentation and the information contained herein as well as the materials distributed herewith ("Presentation") are the sole and exclusive property of BDO Unibank, Inc. ( BDO ) and shall only be used for the purpose intended herein. None of the information contained in this Presentation constitutes a solicitation, offer, opinion, or recommendation by BDO to buy or to sell any securities or financial instrument or to provide any investment service or investment advice. The information contained in this Presentation is based on carefully selected sources believed to be reliable but no representation or warranty as to its accuracy or completeness is made. All statements in this Presentation, other than statements of historical facts, that address activities, events, or developments that BDO expects or anticipates will or may occur in the future (including but not limited to projections, targets, estimates and business plans) are forward-looking statements. BDO s actual results or developments may differ materially from those expressed or implied in these forward-looking statements as a result of various factors and uncertainties, including but not limited to price fluctuations, actual demand, exchange rate fluctuations, market shares, competition, changes in legal, financial and regulatory frameworks, international economic and financial market conditions, political risks, cost estimates, and other risks and factors beyond our control. Your use of the Presentation shall be at your sole risk and you shall form your own conclusions as to the reliability of any information presented and as to any conclusions to be drawn therefrom. BDO shall not be directly or indirectly liable, in any way, for any inaccuracies, errors, or omissions in the Presentation, including but not limited to any quotes or financial data contained therein, nor for any damages resulting therefrom. Any opinion/data/forward-looking statements herein reflected may be subject to change by BDO without notice. 1

2 Table of Contents I. Industry Rankings II. BDO Capital Adequacy Ratios Assets BDO Market Share 18% Growth (%) 15% 15% 13% 7% 16% 41% 15% 7% 25% 6% 2

3 Loans and Receivables net* BDO Market Share 21% Growth (%) 9% 32% 14% 17% 9% 18% 5% 29% 36% 31% Consists of Loans to BSP, Interbank Loans Receivable, Loans and Receivables-Others, and Loans and Receivables arising from RA/CA/PR/SLB Deposits BDO Market Share 19% Growth (%) 13% 11% 16% 7% 19% 17% 28% 34% 15% 2% 3

4 Assets Under Management BDO Market Share 35% Growth (%) 11% 6% 16% 110% 23% 33% -2% 1% -4% 2% Total Capital Accounts Growth (%) 38% 2% 11% 4% 76% -1% 6% 14% 8% 7% Note: In January 2017In January 2017, BDO completed its rights offer that raised a total of P60.0 billion. 4

5 Operating Branch Network - Consolidated - ATMs - Consolidated - 5

6 List of Banks Symbol Used Full Name BDO BDO Unibank, Inc. BPI Bank of the Philippine Islands CHIB China Banking Corporation DBP Development Bank of the Philippines EW East West Banking Corporation HSBC The Hongkong and Shanghai Banking Corporation Limited LBP Land Bank of the Philippines MBT Metropolitan Bank and Trust Company PNB Philippine National Bank RCBC Rizal Commercial Banking Corporation SECB Security Bank Corporation SCB Standard Chartered Bank UBP Union Bank of the Philippines UCPB United Coconut Planters Bank Table of Contents I. Industry Rankings II. BDO Capital Adequacy Ratios 6

7 BDO Capital Adequacy Ratios - As of 31 March 2017 CAR as of 1Q17 Parent Consolidated CET1 Tier 1 Total CET1 Tier 1 Total BDO 12.97% 13.28% 14.73% 13.97% 14.26% 15.64% BSP Minimum (2017) 9.33% 10.83% 10.83% 9.33% 10.83% 10.83% BDO Buffer 3.64% 2.45% 3.90% 4.64% 3.43% 4.81% Note: Minimum CET 1 and Tier 1 ratios under Basel III are inclusive of the 2.5% capital conservation buffer and DSIB surcharge applicable for Thank you. 7

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